I don't want a war against Almighty Allah and his prophet. I would rather be on the side of righteous 😊

After a months finally all my questions have been answer mashaAllah thank you so much dr zakir naik through your youtube channel i learns so much. may Allah always protect and blessings you and your families.

Subhanallah I never knew this I have 3 credit cards when listened this I promise I will close all of them for the sake of Allah, already closed the major one as soon I heard the Dr’s statement and I ask Allah forgiveness for the past used. I travel sometimes out of the country I live and use the credit card for renting cars but I don’t care if it’s haram I will never use it again.

This is definitely a very good question

Never ever you use a credit card because you will be in a trap from which you can never come out!

Thank you for giving us this valuable information Dr. Zakir Naik

That was very clear..thank you Dr for the explanation.

Very helpful informatic speech.. Thank you sir

This is something I was worried about because this is all new to me. I wanted to be able to get my first car but living here in America you pretty much have to have good credit for major purchases. But when you said Islamic bank my mind🤯🤯. Jazak allah 😊

thank you sir , appreciated! ❤

Masha Allah It will help most of the people who use credit cards... Jazakallahukhair

Mashallah!!!! Thank you for this sir

I use to have credit card n I got rid of it last year alhamdulilaah, credit card is a trap of debt n u will always be in debt. I agree with Dr Zakir Naik 100%.

I understand his point but in the West if you do not have credit you cannot find a place to live. You need credit to find an apartment just to lease in a lot of places.

I have no idea, Nor did I ever think And now I am aware. thank you so much for open my eyes.

JazaakAllahu khairan

You cleared all my misconceptions. Love you doctor.

Yes, credit card is a sick. It'll attract people to spend more which is beyond their limits. Always avoid taking that, borrow money from someone you know instead of getting credit card. Save money for emergency fund to avoid credit card. Don't fall in the trap of credit card.

جزاك خيرا وبارك فيك

Thank you for clarifying this

May Allah wish your long life n increase your Islamic knowledge ❤ from Bangladesh

I was under the impression that as long as we are paying before the due date and spending within limit its not Haram, i will deactivate my cards now. 1 question: what do i do if i have 0% installment going on my card for some home appliances i bought bcoz if i cancel the installment there is a penalty?? are the available rewards points permissible to use or not?

Alhamdulillah.... And thanks to dr for a great answer....

SubhanAllah very important topic sir

That is a very valid point, even if you just take out the credit card you have to sign to agree you will pay interest which is haram. My question is, I'm looking to get a credit card in UK so I'm protected under section 75 for purchases above £100, if they aren't delivered or are broken, the credit card company will also be responsible. I don't think Islamic banks here do credit cards

Aslaam Alikum Dr Zakir. I love you...you have been great inspiration to me...i use your given references to preach many christians in London UK. Allhamdulilah. Some of my friends have converted to Islam..the truth! JazakAllah

Great Point!! the thought came to mind, but the points you make in the vid, made it clear I shouldn't opt for it

جزاك الله خيرا يا دكتور... عيدكم مبارك وتقبل الله منا ومنكم صالح الاعمال

Alhamdulillah.

Eid al Adha Mubarak to you & your loved ones. May this Eid energize the spirit of sacrifice in all of us. May this inspire us to sacrifice our ego, hatred and enmity for harmony & brotherhood in us. Also to sacrifice our comfort & wealth for progress of humanity. EidAdhaMubarak🤝

جزاكم الله خيرا

Thank you respected Sir.

I didn't know about this before.may Allah forgive my sins. I'll stop using credit card right away. Jazakallah dr.zakir naik

We use Debit card. Most of them use debit cards only. Except some big business persons.

JazakhaAllah khair

Jezakellah ..This question has been In my mind for long time.

Alhamdulillah. Allah saved me from the credit card..

Beautiful words from beautiful scholar MashaAllah

Jazakallah, it’s was a lot of help.

MashaAllah! May ALLAH bless you with good health

Short answer: Credit cards are haram unless from an Islamic bank, because you sign a contract to pay riba if you miss a payment. If there are no Islamic banks near you, just use a debit card.

You should describe what is an Islamic Bank credit card.

Thank you

Thank you so much for opening our eye's

It’s sad that in the west of the world or even all over the world nowadays we have to take out mortgages to buy a property just so that we can look after ourselves and kids for the future if still alive in sha allah. May allah guide us all. Ameen

Allah u Akbar. I live in America. There are so many financial tricks in this country

Jazakallah khair Dr sahab

جزاك الله خيرا

assalamualaikum ♥️ everyone , Eid mubarak ...🐏🐑🐐🐄🐪🕋🕋🕌🕌,.. may allah swt fulfill our dreams -ameen our Eid finished😔😔🙃💖

What bank is Islamic in Pakistan? In a country made in name of Allah and Islam there is not a single Islamic bank. It's a shame

I dont know about that. But now i understand

Great info

Uhm how about buying a car and paying it for 5 years or buying a house and paying it for 20 years is that haram also since it involves interest?

Sir in that case opening savings account must also be reconsidered. It clearly mentions you will get 3-6% interest of avg balance when you sign account opening form. At one side it's guaranteed that you will get Ribah on your avg balance whereas on the other side you can atleast avoid by paying bills on time. Please put some light on this. Jazakallah.

thank you dr.

Jazak Allah kharun

Is everything haram now?? Like a credit would help you build credit to let you buy a home and car with low interest rates if you just use it wisely. Just don't be stupid with it, I don't everything should be taken this serious. If I miss one payment just because something in life happens or I just forget, I'm still human and mistakes happen.

In western countries it’s hard to only use cash and debit plus security aspect, I think as long as you pay and can pay it’s fine to use credit card and most companies and stores have strict policies with debit cards

Thanks

Thanks sir. From Bangladesh

Taqabalallahu minna minkum..eid mubarak🎆🐏🐐🐪

If people have money in bank or home they can use cradith card for everything even charity donate as long they deposite on some

Thank u so much I can’t agree more

جزاك الله خيرا يا شيخ

He needs to come out and condemn the IFM and free floating fiat currencies. The current monetary system is haram. If a country joins the IFM it is haram.

There is no Islamic Bank in India😕

LIVE WITHIN YOUR MEANS !!

amazing explanation

🤣😂🤣😅 I'm big fan of you sir . . . . Joker Naik lol 😅🤣

Daily Reminder: Try to supplicate this dua every single day to become a habit. 1. Dua That Guarantees You Forgiveness (Sahih Al-Bukhari) Prophet Muhammad SAW (PBUH) said: "Whoever gets up at night and says: La ilaha 'illa Allaahu, wahdahu la shareeka lahul mulku, wa lahul hamdu, wa huwa ala kulli shayin qadeer. Subhana allaahi, wal hamdu lillaahi, wa la illaaha ila Allaah, wa Allaahu akbar, waLa hawla wa la quwwata illa billaah. There is none worthy of worship in truth except Allah Alone, He has no partners, He has the Dominion and for Him is all praise, and He is capable of all things, praise is for Him, and Far is Allah from imperfection, and There is none worthy of worship in truth except Allah, and Allah is the Greatest, there is no capability nor is there any power except with Allah. "Then he says: Allaahumma aghfirlee. O Allah forgive me! Or he supplicates and his supplication is answered, and if he makes Wudhu and prays, then his prayer is accepted. 2. Dua That Guarantees You Jannah (Sahih Al-Jami, An-Nasa'i, Ibn Hibban) Prophet Muhammad SAW (PBUH) said: "Whoever recites Ayatul Kursi, verse 255 from chapter number 2, Surat Al Baqarah after every obligatory prayer, then nothing is stopping him or her from entering Jannah, except one thing: Death." 3. Dua That Wipe Away Sins (Sahih Al-Bukhari, Muslim, At-Tirmidhi) Prophet Muhammad SAW (PBUH) said: "Whoever says: Subhana allaahi, wa bihamdih How far from imperfections Allah is, and I praise Him. "a hundred times during the day, his sins are wiped away, even if they are like the foam of the sea." 4. Phrases That Are Heavier On The Scales Than An Entire Morning Of Recitation (Sahih Muslim) Prophet Muhammad SAW (PBUH) said: "I recited four words three times after I had left you. If these are to be weighed against all you have recited since morning, these will be heavier." These are: Subhan-Allahi wa bihamdihi, 'adada khalqihi, wa rida nafsihi, wa zinatah 'arshihi, wa midada kalimatihi. Allah is free from imperfection and I begin with His praise, as many times as the number of His creatures, in accordance with His Good Pleasure, equal to the weight of His Throne and equal to the ink that may be used in recording the words (for His Praise). 5. Dua To Stay On The Right Path (Sahih Muslim) Ya musarrifa-l quloobi sarrif qalbi ala ta’atik. O, Allah! The One Who turns the hearts, turn my heart towards Your obedience. 6. Dua To Be Save From Totrments Of Grave Allahumma inni wa a'udhu bika min adhabil qabri O, Allah! Saves us from the torments of the grave. 7. Dua For The Best In The Dunya And Hereafter Rabbana atina fid-dunya hasanatan, wa fil'akhirati hasanatan, waqina 'adhaban-nar. O, Allah! Our Lord give us all the good of this world, and the good of the hereafter, and Save us from the punishment of the Fire. 8. Dua To Help Pay Off Your Debts (Sahih At-Tirmidhi) Allahum-makfinee bi halaalika 'an haraamika wa aghninee bifadhlika 'amman siwaaka O, Allah! Suffice me with what You have allowed instead of what You have forbidden, and make me independent of all others besides You. 9. Dua Of The Treasures Of Paradise (Sahih Al-Bukhari, At-Tirmidhi) Prophet Muhammad SAW (PBUH) said: "Shall I not tell you of a word which is one of the treasures of Paradise?" La hawla wa la quwaata illa billah There is no power and no strength except with Allah. 10. Dua To Literally Boost Your Energy Before you sleep recite: Subhana allaah 33x, Alhamdulilah 33x, Allahu akbar 34x 11. Dua That Protects You From All Evil, Magic And Affliction (Sahih Ibn Majah, Abu Dawud, At-Tirmidhi) Bismillaahil-lathee laa yadhurru ma'as-mihi shay'un fil-'ardhi wa laa fis-samaa'i wa Huwas-Samee'ul-'Aleem. In the Name of Allah, Who with His Name nothing can cause harm in the earth nor in the heavens, and He is the All-Hearing, the All-Knowing. 12. Dua To Get Prophet Muhammad SAW (PBUH) Help in Yawm Al Qiyamah (Sahih Al-Bukhari) Prophet Muhammad SAW (PBUH) said: "Whoever says the following, after hearing the call of adhan, the call of prayer I will intercede for them yawm al qiyamah." Allaahumma Rabba haathihid-da 'watit-taammati wassalaatil-qaa'imatah, Aati Muhammadanil-waseelata walfadheelah, Wab 'ath-hu maqaamam-mahmoodanil-lathee wa'adtah. O, Allah! the Lord of this perfect call, and the lord of the prayer that is about to be established, grant Prophet Muhammad (PBUH) al waseela, Resurrect him with that status, that is so praise worthy, which you have already promised. 13. Dua Forgiveness All Believers Allahumma ighfir lil muslimeena wal-muslimaat, wal-mu'mineena wal-mu'minaat, al-ahyaa'i minhom wal-amwat. O, Allah! forgive the Muslim men and Muslim women, the believing men and the believing women, the alive from them and the dead. 14. Benefits Reciting Surah Ikhlas - Reciting 3 times a day is equivalent to reciting the whole Qur'an. - Reciting 10 times a day and Allah will build for him a house in paradise. 15. Sayyidul Istighfar (Sahih Al-Bukhari, Sahih Al-Jami, At-Tirmidhi) Prophet Muhammad SAW (PBUH) said: If somebody recites this invocation (given below) during the day, and if he should die then, he will be from the people of Jannah. And if he recites it in the night, and if he should die on the same day, he will be from the people of Jannah.” Allahuma anta Rabbi la ilaha illa anta, Khalaqtani wa ana 'Abduka, wa ana 'ala 'ahdika wa wa 'dika mastata 'tu, A 'udhu bika min Sharri ma sana'tu, abu'u Laka bini'matika'alaiya, wa abu'u laka bidhanbi faghfir lee fa innahu la yaghfiru adhdhunuba illa anta. O, Allah! You are my Lord! None has the right to be worshipped but You. You created me and I am Your slave, and I am faithful to my convenant and my promise as much as I can. I seek refuge with You from all the evil I have done. I acknowledge before You all the blessings You have bestowed upon me, and I confess to You all my sins. So I entreat You to forgive my sins, for nobody can forgive sins except You. 16. Dua For Protection From Shirk Allahumma inni a`udhu bika an ushrika bika wa ana a`lamu wa astaghfiruka lima la a`lamu O, Allah! I seek refuge in You from knowingly associating partners with You, and I seek Your forgiveness for that which I do not know. Insya Allah, may it benefits you guys. This hadith and dua that I learn are from many Islamic channels like MercifulServant, TheProphetsPath, The Daily Reminder, ilovUAllah, Sense Islam, OnePath Network and more. May Allah bless the speakers, the Islamic channel teams for sharing this knowledge. May Allah grant all of us Jannatul Firdous! Ameen! Copy it, save it, act upon it and share it. Hopefully by sharing it to others will be recorded by the Angels as sadaqah Jariyah.

Jazakallah

Jazak Allah khair Sir...May Allah forgive us. Ameen

Islam banks also charge for late payments lol. Turn it however you like modern banking are all Riba based

Good living requires good credit. Credit is built which eventually helps you to purchase going by your theory living in a western world is also haram

Alhamdulilah. I always said this

Jajhakallah khairan.

I really wanna hear this because I live in a country where it’s built on credit cards and everyone I know has one.

I agree that credit cards are haram because you could forget to pay just like he said you dont even know if you will have the money to pay.

Mashallah you are great scholars

If you don't pay your credit card amount within the free period, interest charged is on cumulative, interest on interest basis. A few months down the line you will be paying more interest than the amount you utilized on purchases through your credit card. The resultant interest goes well above the stipulated rate.

brother plase answer my question. i have been asking since a long time. is law profession, becoming lawyer and advocate ( in india ) permissible for an Indian muslim or in general for a muslim? please answer this brother!!!! it is very urgent brother. I don't get satisfactory answers from traditional ulema. please answer brother. #Permissible #Muslim #lawyer #advocate #lawprofession

Ya Allah forgive my Sin because i am using Credit card since from 9 or 10 months, Insha Allah I will cancel my Credit card with in 10 or 12 days because at present i don't have money to pay for my bank as soon as I get the money, Insha Allah I will cancel the Card, Oh my Muslim brothers and sisters please remember me in your Duwa

Alhumdulilah i was thinkng to get one but In Shaa Allah will surly not get. Jazak Allah doctor

Mashaallah ❤️❤️❤️

Dr. Zakir what was the reason u ran away from india

But we can’t buy anything in the western countries without a good credit?

Assalamualikum how can I email my question to Sir? Opening the credit card from stores like Kohl’s, JC penny and Macy’s also haram? Or just opening from bank is haram?

I've so many queries to be asked... Hiw can i contact uh??

The you tube he is on, they use interest $$. That means he is helping you tube get richer indirectly. Haraam

I'll destroy my credit card after my emi is complete inshahallah

You r the best present time scholar.

Where do i go to ask questions from him. Anuone know ? Thank you.

The mobile phone, social media, television, you tube, loud speaker, mike etc etc.. All this technology is invented by Non-Muslims. So these are ‘Haram’ for u. Stop using them. Stop showing double standards.

Is it permissible to use our brain other than blindly following an archaic cult????

Can you also discuss how we may escape the riba based monetary system that we are forced to participate in? Should we attempt to barter with goods to avoid the monetary system and/or use something like Bitcoin where possible?

please make each video available in many languages

I disagree with 2 things in this video. This is the exactly reason for why whole ummah is poor and has no own defense and has lost humanity. 1. It's haram to take riba. Not to give riba. At least it's not written in Koran. 2. Modern banking were created around 1800 interest rate we are paying today are the cost/risk of lending money. Not exploitation of other humans. In fact. In many muslim countries in fact having not an uppertunity is more dangerous. They sell their daughters as prostitutes because of the poverty. 3. ZERO INTEREST RATE and RIBA are different. If zero interest rate. Meaning it does cost not to borrow money. Will create mega hyperinflation. Even negative interest rate or zero is still interest rate in the economy sense. 4. Credit card is not good. Because it charges a great interest rate. It's exploitation. But conventional bank loan to buy something/ products which are secured. Should be allowed. Why? Because in that sense poor people will get opportunities to buy houses. Instead of living on the streets. 5. Modern interest rates to the industry has created all the products which Sir Zakir is using. Because it's almost impossible to start a factory without a bank loan. Planes he travels with, buildings he lives in. 6. This hadith about mother is false! I don't believe prophet could have said that nonsense! 7. In future there will be no Muslim countries. If Muslims don't apply modern banking which is fair. (two percent above the state banks interest level). Because to create a good national defense requires an healthy industry which has incentives to create new products. Only with interest rates you can motivate people with that. Especially in these days. Where weapons get old in very fast speed. It's very high tech world now. 8. Again. It's not written somewhere. That we can't give interest rates to anyone. 9. Modern banks are often a corporation. Not an human. And they often has initially borrowed money from the government. Which again belongs to the people. Also you. If you live in this particular country. So, if you borrow from you. And give to yourself. It's not in reality borrowing with interest rate. 10. Credit is modern worlds blood in the economy. If no credit. All world will go back to 1500. There will be no development in any medicines. No factories. Only handcrafts. 11. Please, all ummah, should think together. And create an economic system. Which will give people incentive to stand up from the bed and go to the work. And make a product. Which someone need. 12. No humans should take interest rates of other humans. But if in need. You can give. For example in a foreign country. 12. And lastly. Modern bank system with interest rate deletes poverty! So you can have more time to pray. In 1900 not many millionaires. In 2020 many 1000 millionaires. Interest rate system/ capitalism give jobs to the people. Please dear ummah open your brain. Or their will be no Muslim countries. But many Muslims in non Muslim countries. Because only there the life will be better. Because they will be using interest rate system. 13. Is Riba same as modern interest based loan. I think No. What you think? At the end of the day we must have ijtima on all matters. If ijtima. Then it'd halal. Not only Sir Zakirs fatwa.

ahhahahah so funny.. how does a credit card could be "haram". lol

Mashallah

💞Eid Mubarak💞